at tyco integrated security, we consider ourselves business optimizers. how? by building custom security solutions that integrate video, access control, fire and intrusion protection. all backed up with world-class monitoring centers, thousands of qualified technicians, and a personal passion to help protect your business. when your business is optimized like that, there's no stopping you. we are tyco integrated security. and we are sharper. >>> welcome back to "squawk" this morning. we're continuing our series with a start-up that takes a unique approach to investing in talent by buying a stake in their future income. joined again by jeff lewis and also this morning, the co-founder of upstart. his company has received funding from eric schmidt. let's explain what's going on here. you are allowing people to invest in other people's income. their revenue stream. >> future earnings. >> future earnings. >> yep, that's exactly right. so basically the problem we're trying to solve is we think young people don't have the ability to optimize for their learning and th